Couple Money Podcast

by elle@couplemoney.com

19m

average length

112

episodes

0

followers

Elle Martinez from Couple Money discusses how to build your net worth and your marriage by helping you create a financial system that works for both of you. Each episode will tackle a topic that couples deal with such as paying off debt faster, saving for the future while still enjoying today, how to invest smarter, and retiring early.

Best Couple Money Podcast episodes upvoted by the community

Last updated on August 07, 2020, 10:27 pm

#1

How You Can Dump Debt and Retire Early

April 05, 2018 • 14m

Frustrated with your credit card, car payments, and student loans? Learn how you two can come together to dump your debt faster and retire early!  How You Can Retire Early Let me ask you two questions.  Where are you guys right now?  Where do you want to be in five years?  Does it seem like there is a huge gap between today and five years from now?    If you would've told me five years ago we'd be out of debt (except for the mortgage) and be on our way towards financial independence I'd think you'd be a little crazy. Sure, I was optimistic, but it wouldn't feel possible with all that we were juggling at the time.    But when you break down your goal into chunks and you work out a system which for us includes automating, you can see huge results. The good news is that the skills you use to get out of debt are transferable. Instead of sending in those extra payments to your credit cards and student loans, you can direct to savings and investments. Deacon Hayes, personal finance author and Well Kept Wallet founder, is on today and we're getting into how he and his wife Kim made this transition. In this episode, we talk about: how they managed to pay off $52,000 in debt in 18 months the system they used to keep one another in the loop with money planning and following through financial independence Hope you enjoy! Resources to Dump Debt and Retire Early If you’re looking to get ahead with your finances as a family, here are more resources to check out! Retire Early By Rethinking Your Priorities Financial Independence Through Big Wins Setting Up Your Retirement with the Right Tools The Shockingly Simple Math Behind Early Retirement Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#3

4 Tips to Help You Reprioritize Your Money Through Tough Times

March 20, 2020 • 8m

While things are really fluid right now and some big decisions are still up in the air, it's important to review and if necessary reprioritize things with your finances. Today I'm sharing 4 tips to help you prepare your finances to weather out the tough times! Resources to Manage Your Money Easier Best Budget and Money Apps: Personal Capital, Tiller, Mint, Honeyfi Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money How to Financially Prepare Your Family for Tough Times 5 Days to $5K Course Her Dinero Matters Her Dinero Matters is a bilingual podcast for women who want to become reinas of their money and love their money more.  Join Jen Hemphill, a former extreme frugalist turned reina of your money advocate each week for your dose of money confidence. You will hear down-to-earth interviews and panel discussions from Latina community as well as solo episodes sharing simple actionable tips and strategies which you can implement right away.  The best part is, Jen also offers some premium perks, such as special access to a community of like-minded women for a deeper discussion on latest episodes, monthly bonus mini-episodes, as well as a monthly PDF worksheet for that month’s money challenge, available exclusively through the Himalaya app. The best part is, if you sign up now, you can use promo code DINERO at checkout for your first 30 days, free! So head over to the Himalaya app and check out Her Dinero Matters now.  Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

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#5

How to Protect Yourselves from the Most Common Financial Scams and Fraud

November 14, 2018 • 19m

Part of protecting your finances means managing your accounts, both online and offline. Today we’ll share how you can arm yourself against fraud and scams! Keeping an Eye Out for Scams and Fraud With so many people shopping in stores and online, scammers are all too happy to grab your data and financial information. While there’s nothing you can do to completely eliminate these scams, there ways you can protect yourselves.  Joe Mecca from Coastal Federal Credit Union is back to wrap up this two-parter. In this episode we get into: Big offline scams and online phishing to watch out for Protecting yourself with strong passwords Apps and resources to protect you and your finances We have a lot to cover, so let’s get started! Resources to Protect Your Identity and Finances If you’ve had your wallet or purse stolen or lost, here are some resources we mentioned in the episode as well as some other handy articles to check out: IdentityTheft.gov Protecting Yourself from Identity Theft FBI Futurist Shares His Top 5 Tips For Protecting Your Identity Online How to Fight Back Against Identity Theft The Equifax Data Breach: What to Do if You’re Affected Coastal Federal Credit Union Credit Union Locator Annual Credit Report: Free way to review each of your credit reports For freezing your accounts or putting an alert you need to contact the credit bureaus. Equifax: 1-888-766-0008 Experian: 1-888-397-3742 TransUnion: 1-800-680-72892 Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

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#6

Best Mortgage Tips for Home Buyers

August 01, 2019 • 20m

When you’re buying a house, there is a ton of paperwork and terminology thrown at you.  Today we’re going to decipher and explain all the essentials you need to know to get a great deal on your mortgage!  Getting a Great Mortgage When Buying a House Even if you’re excited and ready to buy a house, it can still be stressful. Last week I mentioned that my mom is moving into the Raleigh area after getting a job offer. She’s getting all that paperwork done for work and keeping her current home in tiptop shape since it’s on the market to sell. And whenever she’s in town to take care of her work stuff, we’re also driving around looking at places and neighborhoods. Being with her reminds me of our own house hunt and I remember how at times things seemed overwhelming. Buying a home is a huge purchase and while you’re trying to make sure it’s the right fit for you, you’re also sorting through all this paperwork. When you’re getting a mortgage, your lender is combing through your finances and it feels like they request every scrap of information they can get. And then when you do find a home, you make the offer – hopefully they accept. You have a home inspection, have the house appraised, and get paperwork like title insurance done. It’s a lot. And the first time around, we knew we paid a fair price, but we were a little lost. The second time, though, we felt confident about buying the house. One part that made a huge difference for us was getting our loan officer to walk us through. Having your loan officer in your corner, along with a great agent makes the process enjoyable and rewarding. We’re so grateful to have had that. And I want you to feel the same way. So if you’re in the market to buy or you know in the future you’d want to buy a home, I think you’ll enjoy this episode. I’m sharing one of my favorite interviews on the topic, my chat with Wendy Dawson. She’s the Vice President of Mortgage Lending at Coastal. In this episode we’ll discuss: What you need to keep in mind about mortgages All the fees and expenses that typically come with buying a house – its more than just the down payment How to decipher the paperwork I want you to feel comfortable and confident you’re getting a great deal with your mortgage. I hope you enjoy! Resources on Getting a Great Deal on Your Mortgage If you’re looking to buy, here are some resources to help you find a great deal with your mortgage Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money Basic Mortgage Terminology Buying a House: Explore Interest Rates Buying a House: Loan Estimate Explainer Understand Mortgage Loan Options Free 5 Days to $5K Course Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. See how Coastal can help you with your mortgage needs! Key Takeaways on Buying a Home I want to focus on some key takeaways I got from talking with Wendy and our own experience: Know your numbers (and own them)  Understand your mortgage options Ask questions.  If you’d like to chat more about buying or even selling your house,  please join us in our private and free Facebook group – Thriving Families.  Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.  

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#7

Meal Planning Essentials for Busy Couples

June 13, 2018 • 20m

Does your food bill blow your budget? Today you'll learn how to master meal planning to save you a ton of time and money!  How to Save with Meal Planning One of the biggest bills couples have - especially busy ones - is their food. Between eating out and buying food for the family, there doesn't seem to be enough money to cover everything.  We discussed saving money when eating out a few episodes ago. Now we're looking at the other side -mastering your groceries and meals at home. I asked my buddy Jen Smith to come on board. She's the creator of Saving with Spunk and the author of the new book Meal Planning on a Budget. In this episode we discuss: how meal planning doesn't mean leftover every night the magic of slow cookers how seasonal and sales eating is lower your bills and be better health wise Hope you enjoy! Resources to Save Money While Eating Well Want to cut your spending on food without sacrificing quality? Here are some resources to check out. Grocery Price Books: Slash Your Food Bill and Save Time! Easy and Smart Ways to Eat Well and Cut Your Food Bill Kill your $1,000 Grocery Bill Frugal Friends Podcast  Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here.  Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#8

Creating an Extraordinary Marriage with Financial Intimacy

October 13, 2017 • 20m

Think you can avoid money fights by not talking about it? Learn and use these conversation starters to develop financial intimacy, get on the same page with money, and have an extraordinary marriage!    Financial Intimacy and Marriage Normally people associate intimacy with physical or emotional, but a long-lasting marriage takes more. You two can connect with intellectual activities, spiritual moral values, having fun and relaxing, and yes, financial intimacy. If you been listening to the show for a bit, you know that the money itself is usually not the issue, but a symptom. To a degree, once the bills are paid, how we spend or use money is a reflection of our priorities. It's all connected. And we neglect or ignore talking and working through things, our marriage can suffer. What if you've been married for some time, can you turn things around? Not only fix your finances but become more open as a couple. Fortunately, Tony and Alisa DiLorenzo are on the show to share their story and help make things easier. They're the dynamic duo behind One Extraordinary Marriage where they explore developing a stronger marriage. In this episode we get into: the challenges Tony and Alisa faced with debt how they started those conversations about money creating a system with their family finances they're both happy with Hope you enjoy! Resources to Building Your Marriage and Financial Intimacy Looking to connect as a couple with money and more? Here are some wonderful resources to get you started! Connect Like You Did When You First Met Dave Ramsey's 7 Baby Steps to Financial Peace Money Matters Money in the Bank 6 Forms of Intimacy to Build a Strong Marriage Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.  

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#9

Should You Give While Getting Out of Debt?

November 21, 2018 • 14m

You’ve probably heard how giving not only benefits the recipients but the giver. However, what do you do when you’re in debt? Learn how you can pay off debt and give more to the causes that matter most to you! Giving While in Debt? When people ask this, two things jump out at me. First, they have a generous spirit. That’s fantastic. Second, their current budget isn’t working for them. That's something that needs to be adjusted. What if I told you there’s a way you can take care of the essentials, make progress on paying off your debts, and still give? Today Certified Financial Educational Instructor and The Money Speakeasy founder Wilson Muscadin is here to discuss how. In this episode we get into: Why we struggle with money A counter-intuitive way to think about how you budget How giving can help be wiser with your money Let’s get started! Resources to Give Back More If you're looking to create a budget that reflects your values while still taking care of the essentials, here are some resources to check out. Best Budget and Money Apps: Personal Capital, Tiller, Mint Automatic Saving: Qapital Free 401(k) Analysis: blooom Partners in Wealth Jumpstart Your Marriage and Your Money Total Money Makeover Giving USA 2018: Americans Gave $410.02 Billion to Charity in 2017 Charitable Giving in America: Some Facts and Figures Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

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#10

How to Work as a Team When You're Financial Opposites

February 27, 2020 • 28m

Most couples marry their financial opposite, which can be a blessing or a recipe for disaster. Learn how you two can become a team and create a budget and money system you both love! Marrying Your Financial Opposite Did you know that 75% of divorced couples cite money as the cause of their marital issues? With something causing that big of any issue, you’d think we’d try to become more proactive with making sure that finances But for many couples, the conversations don’t happen. There’s a tendency in a lot of marriages to not talk about money until something goes wrong. The budget is broken or you’re struggling to hit a goal you made for the year. One reason couples don’t talk about money is that they’re trying to avoid a fight. Maybe they’ve had a blow-up in the past about certain spending and they rather not hash that out again. Perhaps they couldn’t come to an agreement on something that should be simple like the budget. This can especially be the case when you’re financial opposites. However just because you’re financial opposites don’t mean you can’t work as a team with your money. In fact, for some couples, their differences became an advantage as they tackle goals like dumping debt, saving up for a house or investing in their future. How do you get there though? How do you mesh those differences into strengths? Scott and Bethany Palmer, The Money Couple are on the podcast today to chat about how to get started with talking about and working through your financial issues and goals.   They were financial advisors and noticed how their married clients were struggling with money. They’ve been focused since on helping spouses work with their different approaches to finances and become a team. In this episode we’ll get into: how money differences show up in our daily lives understanding and respecting one another’s different perspectives how to approach money talks so that they’re productive Hope you enjoy! Resources to Help You Merge Your Finances If you’re looking to get better with your finances together, here are some helpful posts to check out: Best Budget and Money Apps: Personal Capital, Tiller, Mint together Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money How to Talk About Money Without Starting a Fight How to Diffuse Money Fights Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. They also have competitive rates on their checking and savings accounts! Meet Scott and Bethany Palmer With 50 years of combined experience as financial advisors, Scott & Bethany Palmer (aka “The Money Couple”) have witnessed these conflicts firsthand. After watching so many couples struggle over money, Scott & Bethany set out to find out why. After a decade of research with a Stanford scientist, they cracked the code to stop the money issues that so often lead to divorce. They discovered that money “issues” aren’t really about dollars and cents — the real problem is a couple’s struggle to communicate about and agree on money. They developed The 5 Money Personalities to help couples understand their own unique perspectives and behaviors when it comes to money, learn more about their partner’s money personalities, and better communicate in a way that builds rich relationships Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.  

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#11

5 Key Ways to Pay Your Mortgage Off Faster

April 19, 2018 • 21m

Want to be completely debt free, including your house? Find out the key changes one couple made to pay off their mortgage in less than 5 years!  Pay Your Mortgage Off Faster What would you do if you owed your home free and clear like Andy does now? With no mortgage payment what options would open up? There's a good chance you'd love to get rid of your mortgage, but the idea of getting rid of such a huge amount makes it seem impossible. Forget paying it off in 5 years, you may struggle to even see a way to reduce it in half. Right now median purchase price of a home here in the United States is $235,000, with 10% down. Now if you live in D.C. you're looking at $400,000 with my buddies in Cali close behind at around $350,000. Not cheap. Probably the biggest purchase you'll make. Which is why I asked my buddy and Marriage, Kids, and Money creator, Andy Hill, to come on. He's an awesome guy, really excited to get couples closer to their debt free goals. We both know that not everyone can replicate what Andy and his wife Nicole did - we all have different circumstances - but there's a lot to their process that could make all the difference with you and your home. In this episode, we discuss: why they were adamant about knocking out their mortgage so fast steps that were crucial to paying off their mortgage tools to help you be debt free faster Hope you enjoy! Resources to Dump Your Mortgage Faster If you’re looking to dig in deeper for ways to pay your mortgage off faster, here are some resources to check out: Mortgage Payoff Calculator Paying Your Mortgage Off Early Paying Off The Mortgage Wasn’t Our First Priority (but we did it anyway) 5 Reasons to Choose a 15-Year Mortgage And if you two are looking of more ideas on how to find, save, and make extra cash to pay down or debt or use for whatever gal you have, please sign up for my free 5 Days to $5K course. It's a week-long special email series that will help you get some extra money in. Thank You to Our Partners Support for this podcast comes from partners like Personal Capital. Easy to set up & easy to use. You can have all your investments, income, and expenses all pulled into one place. Easy to set up & easy to use. You can have all your investments, income, and expenses all pulled into one place. Did I mention it’s free? Why don’t you give Personal Capital a try today? Music Credit Like the music in this episode? Our theme song is by Gentle Regime. I also want to thank Lee Rosevere for music in this episode.

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#12

Cheap and Fun Summer Activities for Your Kids

July 11, 2018 • 23m

School's out - what are you up to? Today we're talking about frugal and fun summer activities for your kids and for you! Fun and Frugal Summer Activities for Kids Summer break is here and so far, it's been a blast. As school was finishing up with my little one we headed over to Denver. My cousin's wedding was beautiful. We took the girls to the park to play and relax. Got to go downtown, explore. Eat. We tried some local brews. Thanks to my mom, we had some extra date nights. the next week was a bit more low key at home, but still fun. with a couple of weeks left before our oldest goes back to school, we're mixing things up so it'll be a memorable summer and won't break our budget. if you're in the same boat, I have some good news. Today we have two guests to give some ideas. Aja from Principles of Increase and Paul Vassey of Cash Crunch Games are here to help make things easier. In this episode, we get into: how to find enriching and frugal activities around town giving your kids skills and knowledge to handle money like a pro getting out for date night for just the two of you Hope you enjoy! Helpful Resources on Kids and Money If you’re trying to figure out a system that can work for your family, here are a few resources to check out: Cash Crunch Games Jr: Our girls love it! FamZoo: Fantastic solution for families. We not only use it to handle allowances but track our oldest's progress for her big savings goals. You can customize it to your family's situation. Chicago EcoHouse The Opposite of Spoiled 6 Tips for Building the Charitable Giving Muscle with Your Kids 5 Reasons I Don’t Buy Toys for My Kids Tips For Giving Kids an Allowance Boost Your Kid’s Money IQ with a Simple Spreadsheet 29 Tips for Teaching Your Kids to Stack Benjamins Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.  

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#13

How to Find The Best Financial Advisor for You

April 03, 2018 • 23m

Do you feel like you guys are kind of stuck with your finances? Have you hit a wall and don't know the next move? Today I'll share how you can find the best financial advisor for you!  Finding the Right Financial Advisor What do you think about when you hear financial advisor? You may have been to one of those luncheons where you get some information about investing or maybe insurance but the financial advising piece really isn't there. It's left a bad taste in your mouth and you're wondering if it's really a smart move to hand over money to someone to manage your money. From personal experience, there are some great financial advisers out there, ones that are not only looking at what's in your portfolio but the real big picture. sometimes, though, it takes a little bit of effort upfront to find a just the right person for the job.  Today Michael Kay is sharing his expertise along with some tips to make the process less stressful. He's a fee-only financial planner at Financial Life Focus.  In this episode we get into:  questions to ask your financial advisor (including the red flag to run!) looking at your finances in a holistic way finding the best advisor to build wealth Hope you enjoy!  Resources to Find the Right Financial Planner Want some help with your money? Here are some resources to find the best advisor for your money.  GuideVine 6 Dangerous Myths About Financial Planning, Debunked How to Review a Financial Advisor: The Definitive Checklist How to Find a Financial Planner You Can Trust Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#14

How to Rethink Real Estate as an Investment to Build Wealth

February 06, 2019 • 26m

Think your home is an investment? For most people, it's not.  Learn how to rethink real estate so you can build your wealth and become financially independent! Buying a house is usually the biggest purchase we make. Right now in the United States, the median price of homes that sold is $225,900. For those living in high cost of living areas like California and DC, you’re looking at closer to 350k to $400k respectively. Just considering the numbers, you can see that you really need to do your homework when it comes to buying your house. A misstep or mistake can cost you a significant amount of money. I don't want that to happen to you. When \ever you buy your home I want it to feel like a blessing and a burden. We’ve had several episodes about the house hunting, getting a mortgage, and finding the best home for you. Today, though, I want to get into the root of every bad decision we made when it comes to real estate - how we approach it. I can’t even count how many people had such strong opinions when we were house hunting. And not all of them were right. There so many justifications for buying any house. ‘You’re throwing away money when you rent’ ‘Take advantage of the tax savings’ And my favorite - ‘real estate is an investment’ People were saying this and they no idea what kind of house or neighborhood we were looking at. That’s not to say buying a house is a mistake. It can actually be a smart move when done right. And if you’re looking at investing and are willing to put in the work, real estate can be an income stream. But how you approach it makes all the difference. Which is why I asked Julien and Kiersten, the creators and the couple behind Rich and Regular to come on today. They are not only are homeowners, but they are also real investors who are working towards financial independence. Their properties are a part of their plan so I thought they would be perfect to talk about how to approach real estate wisely. In this episode we’ll discuss: Why they don’t consider their home an investment How they got into investing in real estate Their strategy around real estate to reach financial independence Hope you enjoy! Resources for Buying a House If you two are ready to get the balll rolling with buying a house or start looking at real estate investing, here are some resources to check out: Best Budget and Money Apps: Personal Capital, Tiller, Mint Automatic Saving: Qapital Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money Why our new home is NOT a real estate investment The “other” skills you need to be a real estate investor 5 Key Ways to Pay Your Mortgage Off Faster 5 Reasons to Choose a 15-Year Mortgage Which is Better for You – a 15 Year or 30 Year Mortgage? What You Need to Know About Mortgages Support the Podcast Thank you so much for listening! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. I’d love for more couples to work together to dump their debt and pursue their dreams together! Please leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! I appreciate your help. Let’s make talking about marriage and money fun! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere

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#15

How to Pursue Your Dreams Without going Broke

May 17, 2018 • 18m

Do you two have a couple of dreams you'd love to get started on but right now the money isn't working? Today we're going to discuss how to pursue your dreams without going broke! Working Together to Pursue Your Dreams Real life isn't that smooth. There are a dozen and more ways things can go sideways with the business. If you're married, you have to work as a team. Today Alex Grodnik from Wall Street Oasis' podcast Moving Up and founder of Payclub is here to share his story and offer from tips from the trenches. His career has a had a few shifts. He and his wife are working together to a find a flow that allows them to pursue their dreams, pay their bills, and prepare for the arrival of their daughter this summer. In this episode we discuss: why he choose to get an MBA and the unexpected pivot he made how they went to from living off two incomes to one the real truth and finances of being a startup entrepreneur Hope you enjoy! Resources to Help You Launch a Side Hustle If you’re ready to make the leap, here are some more resources to help you build another income stream. 79 Side Hustle Business Ideas You Can Start Today Developing a Money Making Hobby The 5 Step System to Quit Your Job In the Next 12 Months Launching a Business as a Creative Entrepreneur Building a Location Independent Business of Freedom and Travel — Even With a Family   Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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#16

Coronavirus and Your Money: What Need to Do Now to Gain Financial Stability and Thrive

June 04, 2020 • 33m

Here are some key takeaways to help you get through and start building some financial stability! Pivoting Your Finances Through New Habits I hope you are doing well, are safe, and healthy.  We’re just starting June but I think Jason Vitug pointed out on Twitter, “This is indeed the longest shortest year ever.” I started this mini-series after the pandemic created a hard stop on so many things. Things are starting open up, but many couples in our community are still dealing with the financial fallout.  Depending on where we were on our financial journey, our experiences can seem tremendously different.  With the mini-series, I wanted to address a few of those different scenarios. The first episode was geared for those who had seen their income drop due to fewer hours or loss of a job.  The next episode was those of us who are treading water to speak – still have their jobs, but no safety net if that changed.  This episode I want to talk about what you can do if you were further ahead in your finances. How can you use this experience and turn this into something positive?  How can we pivot our finances? And bigger picture – can we use these lessons learned not just help us, but in a position to help others too? Certified Educator in Personal Finance (CEPF®) Bob Lotich is on today to share what habits he and his wife Linda changed on his and eventually their journey together towards becoming debt-free.    Joe Mecca from Coastal is back on to share some takeaways on shifting our finances and coming up with a plan during these tumultuous times.  In this episode we’ll get into: Crucial steps you can take to shift habits and your money We’ll also dive into how to get your spouse on board Lessons we can take from this crisis to use to better prepare ourselves and help others Let’s get started!  Resources to Easily Stay on Top of Your Money Here are some resources we mentioned in the episode as well as some other handy articles to check out: Best Budget and Money Apps: Personal Capital, Tiller, Mint, Honeyfi Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Your Money: A Hub for Help During the Coronavirus Crisis via The NY Times COVID-19 Financial Relief Info for Those Impacted via @ I Heart Budgets Why we began giving our age as a percentage How to Anonymously Give Someone Money (5 Great Ways) Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union. If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today! We’ve been Coastal members for a few years have been happy with their services. If you’re a member and you’ve been financially affected by the coronavirus, Coastal has a member assistance program to ease the burden. Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Audiio.

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#17

How to Automate Your Money: A Guide for Busy Couples

July 12, 2019 • 18m

How do you feel about managing money? Is it something you enjoy doing or do you see paying the bills, knocking out debt, saving for your future, etc. a bit much? When we were first married it was honestly a little overwhelming. We had the bills to pay, a car loan, and eventually student loans that were going to come due.  The idea of getting a financial system seemed complicated. The good news is it wasn’t. With a little organization so we had our acct info in front of us. It was a one evening thing.  And it’s made a huge difference for us.  We’ve paid off over $30,000 of debt, bought our cars with cash, started investing for retirement, and giving more. Through the years, we’ve had to take a step back to help out loved ones and deal with our family. With two little ones as our priority, we sometimes have put money conversations on the back burner. The automated system allowed us to still take care of the essentials and not miss a beat.  But I also know that the idea of setting up a system sounds like a ton of work. Truth is the initial set up typically isn’t as difficult as you think and the benefits are more than just the money.  To make this easier we’re going over:  Peek into Our System so You Have a Real Life Example Setting Up Your Financial System Tools and Apps to Make it Easier to Set up and Track Your Money I hope you enjoy!  Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. They have fantastic options to make online banking easy! Resources to Stay on Top of Your Money Here are some resources to make managing your money much easier! Best Budget and Money Apps: Personal Capital, Tiller, Mint Free 401(k) Analysis: blooom Grow Your Stash Faster: High Yield Savings with CiT Bank Automatic Saving: Qapital Jumpstart Your Marriage and Your Money Support the Podcast! Thank you so much for listening to the podcast! Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere.

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#20

How to Fix Your Relationship and Money with Financial Therapy

April 17, 2018 • 17m

With money fights being the main cause of divorce, many couples could use some financial therapy. Learn habits and techniques you can use to make money talks less stressful and more productive! Is Financial Therapy Right for You?  Money problems are usually symptoms of a much deeper issue. It can be within our relationship - how we communicate or it can an issue we ourselves have like anxiety or depression. From our personal experience and hearing from other couples, it can be more common than you think. And that matters because if you don't get to the root, it can keep popping up. And in some cases cause damage. Financial education is crucial, but sometimes you need to a specialist. I'm not a therapist, but I do know one and she's here to help. Kine Corder is here on the podcast to cover some problems and bumps couples experience when dealing with money. In this episode, we get into: common issues couples have when they come to her for financial therapy ways to communicate better so things are less stressful with your relationship and money habits to help you two move forward Hope you enjoy!  Resources to Get on the Same Page with Money Learning how to work as a team isn't automatic. Here are resources to give you the tools to stop fighting about money and win.  Top Sites and Podcasts for Marriage and Money Prosperity Report: Love and Money Podcast  How to Shift Your Money Mindset and Finally Knock Out Your Goals Together Build Your Marriage & Wealth with Money Dates 3 Habits to Grow Your Wealth and Strengthen Your Marriage How to Connect and Develop Financial Intimacy in Your Marriage Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

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